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It’s good to see L&G getting away from box-ticking attitude

I was pleased to hear last week that Legal & General and Hanley Economic Building Society were offering a two-year fixed rate deal with no credit scoring (Mortgage strategy Online).

This is excellent news. It’s about time lenders got away from the box-ticking mentality of underwriting and used proper underwriters with knowledge and experience who listen to brokers and take a balanced view of a case, instead of plucking out spurious reasons to decline cases.



GEMHL deserves credit for filling a gap in the market

In response to the story headlined ’GEMHL expands range to help borrowers with limited options’ (Mortgage Strategy Online), it’s taken a vast amount of work by the GEMHL team to get to where it is now and the market needs to give it some credit, rather than being negative. These products fill a gap in […]


Tories are the best bet for our industry

With the election campaign in full swing this seems like a good time to air my views on which party would best serve the mortgage market. I have Labour comfortably in third place as nothing will convince me that the party will do anything different in the future than it has in the past. Its […]

Abbey’s 90% deal can hardly be feted as great for market

I question whether the story last week that Abbey for Intermediaries is offering a 90% LTV deal at 6.75% is great news (Mortgage Strategy Online). Santander has a 5.99% 90% LTV three-year fixed rate which is only available direct. It is still dual pricing, no matter which way you look at it and the Abbey […]


Trust me, I’m a provider

By Craig Paterson, Underwriting and Claims Philosophy Manager, Royal London Hard-hitting headlines “Dying mother of two is refused life insurance payout.”1 “What a way to treat a dying man: Grandfather refused life insurance claim.”2 “A widow betrayed by a life insurance company.”3 With headlines like these, it’s no wonder some consumers don’t trust providers. Trust […]


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